Getting burial insurance with heart bypass surgery is easier than most people think. Most people think that heart disease eliminates burial insurance eligibility. While some life insurance companies may outright refuse to insure a person who has had a heart bypass surgery, some insurance carriers are willing to approve you for a policy.
Whether you have had heart bypass surgery, or suffer from other health complications such as diabetes or high blood pressure, you will still be able to purchase the burial and funeral life insurance coverage that you deserve.
If your bypass surgery was several years ago, and you have no other medical issues since then, you have a great chance of getting affordable final expense coverage.
With enough time passed since your heart bypass surgery, you will have plenty of opportunities to purchase a quality burial insurance plan.
Regardless of when your heart bypass occurred, you can qualify for burial insurance that will not break your budget.
FOR EASIER NAVIGATION:
CAN YOU QUALIFY FOR BURIAL INSURANCE WITH HEART BYPASS SURGERY?
It is entirely possible to secure burial insurance after heart bypass surgery.
To qualify for final expense insurance after bypass surgery, you need to work with an experienced agency that represents all of the top-rated life insurance companies to get the lowest rates.
And here’s the good news…You are not required to take a medical exam to qualify for burial insurance: no blood draw, urine sample or doctor’s record to provide.
You only need to answer a few simple health questions. Keep reading, to increase your chances of being approved for a life insurance policy.
WHY DO INSURANCE COMPANIES CARE ABOUT HEART BYPASS SURGERY?
Heart bypass surgery or coronary artery bypass is a surgical procedure that diverts the blood flow around the section of a blocked artery in the heart to restore the normal blood flow.
Blood vessels from the leg vein or other parts of the body are often connected to the arteries in the heart so that blood can bypass the areas that are blocked.
This procedure is used to treat coronary artery disease, coronary vascular disease, and heart attack.
According to the Centers for Disease Control (CDC), there are about 395,000 heart bypass surgeries performed in the U.S. each year.
Heart bypass surgery can present some serious risk and life insurance companies take the procedure seriously.
They are also cautious regarding the factors that led to bypass surgery such as:
- High cholesterol
- Smoking history
- Sedentary lifestyle
- History of heart disease in the family
Changes you made to your lifestyle to correct these factors will affect the success of the surgery and lower your overall health risks.
Any time you have surgery on any organ, it is a cause for concern for life insurance companies because it may affect mortality rates. Bypass surgery comes with some serious health and mortality risks.
Although, many people who had heart bypass surgery can go on live long healthy lives, any weak or compromised internal organs may lead to premature death or other health complications.
Life insurance carriers will review your past medical treatments and current health to determine if you are an acceptable risk level for coverage. Since bypass represents a threat to your lifespan, they are often cautious when approving applications for coverage.
Each company has its own criteria for determining acceptable risk level, and one company may decline your application while others may approve it.
WHAT WILL WE ASK YOU IF YOU HAVE HAD HEART BYPASS SURGERY?
We will ask you several questions about your bypass surgery for your application.
It is crucial that you provide us as much information as possible. The information you provide will help us understand your current health situation so that we can give you an accurate quote.
Here’s a list of questions that our agent will ask you when you apply for life insurance after having heart bypass surgery:
- When did you have your bypass surgery?
- How old were you when your heart bypass surgery was completed?
- How many blocked arteries did you have treated?
- Why did you need to have bypass surgery?
- Do you have other risk factors for heart disease such as smoking, high blood pressure or high cholesterol?
- Did you experience any complication like internal bleeding, cardiac tamponade, or a stroke after the surgery?
- What medications are you taking after the bypass surgery?
- Are you a smoker? How many cigarettes do you smoke per day?
It is important to be completely honest when you answer these questions. This process allows us to provide you with an accurate quote and ensures that the company we recommend is the best fit for you (with the best pricing).
The more information you provide, the better your chance of being matched to the right company.
UNDERWRITING BURIAL INSURANCE WITH HEART BYPASS SURGERY
Every burial insurance company with underwriting will ask about heart surgery in their health questionnaire.
Here are some common questions they may ask:
- Have you had any type of heart surgery within the last 12 months?
- Have you had any type of heart surgery within the last 2 years?
If you answer yes to these questions, it will determine the price of your premium and coverage.
The type of surgery you have is generally a non-issue to burial insurance companies. They are more concerned about when you had your heart procedure.
When you had the surgery will dictate if they will charge more money and if you need a waiting period.
The more time that passed since your surgery, the more likely your application will be approved. Of course, your attention to your health and recovery will determine if you will qualify for an affordable life insurance policy.
POLICY OPTIONS FOR HEART BYPASS SURGERY PATIENTS
If you are a heart bypass surgery patient, the life insurance policy that will be available to you will be based on when you had your bypass surgery.
IF YOUR HEART BYPASS SURGERY WAS WITHIN THE LAST 12 MONTHS
If you have a heart bypass surgery within the previous 12 months, a guaranteed issue burial insurance plan is your best life insurance option. It is more costly than a policy with underwriting and has a two year waiting period.
You cannot avoid the waiting period, and you will pay a higher premium than someone who has never had heart bypass surgery.
Guaranteed issue burial insurance is designed to approve coverage regardless of your health condition. If you pass away from natural causes the insurance company will not pay the full death benefit, instead, they will refund the premiums you paid plus 10% interest.
IF YOUR HEART BYPASS SURGERY WAS OVER 1 YEAR AGO
Your options improve considerably after one year. So, if your heart bypass surgery was more than a year ago, you may qualify for better burial insurance options. Some insurance carriers only look back one year on heart bypass surgery. We have access to these companies.
If your heart bypass surgery was over a year ago, you may still qualify for a level death benefit. You would be covered from day one, and you will pay lower rates.
If you have other health issues, you may qualify for a graded plan which partially covers you from the first day you purchased the burial insurance plan.
IF YOUR HEART BYPASS SURGERY WAS OVER 24 MONTHS AGO
If your heart bypass surgery event occurred more than two years ago, you will likely qualify for full, first-day coverage.
Almost every single funeral insurance company has a two-year look back on heart bypass surgery. After that time period, they will often approve you for their lowest rates and immediate protection.
BURIAL INSURANCE WITH HEART BYPASS SURGERY
LEVEL DEATH BENEFIT
If your heart bypass surgery is more than a year, you can get a plan with immediate coverage. This is a simplified issue burial insurance that covers you from the first day. It is generally cheaper than guaranteed issue life insurance.
This plan does not have a waiting period, and your beneficiary will receive the full death benefit whenever you pass away.
GUARANTEED ISSUE LIFE INSURANCE
If your heart bypass surgery is very recent meaning less than 12 months, guaranteed issue life insurance is your only option. If you have other health condition that may disqualify you for level death benefit guaranteed issue policy is right for you.
Life insurance guaranteed approval is a little more expensive than the level death benefit, and it has a two year waiting period.
The death benefit maxes to $25,000. You need to live for two years before your beneficiary can receive your full death benefit if you pass away from the natural cause.
If you die during the waiting period, your beneficiary will only receive the full refund of all the premiums you paid plus 8-10% interest.
WHY DO YOU NEED TO TAKE A GUARANTEED ISSUE POLICY IF YOUR HEART BYPASS IS VERY RECENT
When you have had a very recent heart bypass surgery, and guaranteed issue life insurance is the only option, most people ask “why do I need to get a plan like that doesn’t cover from the first day?”
Here’s why we recommend guaranteed issue life insurance for those who have a very recent heart bypass surgery:
- There could be a complication from your surgery.
- You could have another heart attack or heart health crisis.
- You could develop other high-risk condition like diabetes or high blood pressure.
- Your doctor may prescribe a new medication that is flagged by the life insurance company.
All adverse future health events may prevent you from qualifying for affordable burial insurance.
If you wait a year to get better options, any negative changes to your health may eliminate you from qualifying for a level death benefit. It also means you still have to wait two years before your coverage begins.
Bottom line: The sooner you work on the waiting period the sooner you will get full coverage.
The best way to make sure that you’re accepted with the lowest rates is to work with an independent agency.
Funeral Funds work with many highly rated insurance companies in the market. Every company will give you different rates based on their underwriting guidelines. Some companies will provide you with low rates while others may reject your application.
Instead of wasting hours calling various companies, allow us to do the dirty work for you.
We have years of experience working with high-risk clients like you who had heart bypass surgery. We can help you find the perfect insurance plan that is within your budget. You’ll never know what will happen tomorrow so you shouldn’t wait any longer to get the coverage you need.
WHAT IF I HAVE BEEN DECLINED FOR LIFE INSURANCE
Most people that come to us wanting to get life insurance have been declined at least once. The truth is they have been shopping on their own (or with an inexperienced agent), and that’s why they are declined before.
Working with an independent agency like Funeral Funds that works with high-risk life insurance on a regular basis will always get you approved for the best coverage and rates.
If you just have a recent heart bypass surgery and you cannot qualify for a level death benefit, we can help you with guaranteed issue life insurance. It does not have a medical questionnaire or a medical exam.
Your application approval will often be very quick…in most cases only several hours to a few days.
If your life insurance application has been declined in the past, we can help you get coverage. One of the worst mistakes that you can make is to avoid getting life insurance because of your condition.
If you had heart bypass surgery and are ready to apply for life insurance, we can help you. We work with the best life insurance carriers in the country, and our job is to help you get a policy that fits in your budget.
Funeral Funds specializes in helping heart bypass patients or those that fall under the high-risk category. We know what companies offer the best plan and the best rates.
We can help you compare different life insurance policies from different carriers. If you are interested in finding how much life insurance you will qualify, drop us a message on the chatbox or fill in the instant quote form on this page to get an accurate quote.
HOW CAN FUNERAL FUNDS HELP ME?
Trying to find a policy with a heart bypass surgery needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of heart bypass surgery, let us help you; we will work with you side by side to find a plan that fits your needs.
We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.
We will shop your case to different insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will match you up with the best burial insurance company that gives the best rate.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for heart bypass surgery funeral insurance, heart bypass surgery burial insurance, or heart bypass surgery life insurance, we can help.
Fill out our quote form on this page or call us at (888) 862-9456 and we can give you an accurate quote.